Just left a W-2 job to freelance, consult, or run your own LLC? We'll find you health, dental, or vision coverage in minutes and help you compare it against COBRA - many new business owners qualify for real subsidies based on their new income.
Real plans from the carriers you'd recognize
We skip the enterprise insurance stuff. You get health, dental, and vision - picked for affordability, mental health support, and being the first plan you've ever chosen yourself.
Priced to your new incomeReal ACA health insurance for people who just left an employer plan. Annual physicals, mental health, telehealth, prescriptions - the whole thing. Priced against your projected self-employed income, often with meaningful subsidies.
From ~$15/moMost individual health plans skip dental. We'll add it on for the price of a coffee subscription. Two free cleanings a year, plus help if you need bigger work done.
From ~$12/moIf you stare at a laptop running your business all day, this is a no-brainer. Annual exam, allowance for new frames or contacts, blue-light lenses - usually pays for itself in one visit.
Wherever you are in the transition off an employer plan, we have a plan that fits.
Your employer plan ends soon, or already has. Leaving a job that provided coverage is a qualifying life event, so you get a 60-day window to enroll - no Open Enrollment required.
COBRA keeps your old plan but you pay the full premium plus fees. We'll price a marketplace plan against your new self-employed income so you can compare both, side by side.
You just set up your business and now you're setting up your own benefits for the first time. Subsidies are based on your estimated self-employed income, so plans are often more affordable than expected.
No employer, no group plan, no problem. We'll find you a flexible individual plan that fits an income that can change month to month.
We do the boring part so you can get back to your life.
Quick 2-minute form. Just left a job? Starting an LLC? Freelancing full-time? We need the basics - no SSN, no credit check.
We pull every ACA plan in your ZIP, estimate your subsidy off your projected self-employed income, and compare it against COBRA if that's still on the table.
A real licensed agent (not a chatbot) explains your top 3 options. No jargon, no pressure, no upsell to stuff you don't need.
We handle the paperwork. Coverage usually starts the 1st of the next month. Your agent is your contact whenever your income or business changes.
We're independent. We get paid the same no matter which plan you pick - so we pick the one that's right for you.
We start every search with your estimated self-employed income for the year - that's what your subsidy is based on, not a prior W-2 salary.
COBRA keeps your old plan but usually costs the full premium plus fees. We'll run the marketplace numbers side by side so you can see which actually costs less.
Deductible? Out-of-pocket max? Coinsurance? We translate insurance into plain English so you actually know what you're buying - especially if this is your first time picking a plan yourself.
Every plan we recommend covers therapy and lets you see a doctor from your phone. Useful when your schedule is now entirely your own.
You get a dedicated licensed advisor - same person for every question, every year. Email us anytime. We answer.
Pricing shown is post-subsidy for a typical newly self-employed individual. Your actual quote takes about 2 minutes.
Catastrophic + ACA Bronze, post-subsidy
ACA Silver - what most new business owners pick
ACA Gold + Dental + Vision bundle
Illustrative examples of the kinds of situations we help with. First names only; details are composited to protect client privacy.
“I left my job to freelance and panicked about coverage. My agent found me a Silver plan priced against my new income that came in well under what COBRA would have cost. Mental health is fully covered too, which was the main thing I needed.”
“I didn't realize subsidies existed for self-employed income. I was about to skip insurance entirely while I got my LLC off the ground. Now I have a plan with dental for the first time in years.”
“Left a corporate job to go independent and had no idea how to price COBRA against a marketplace plan. They ran both numbers for me in a single call. No judgment, no pressure.”
“My consulting income varies month to month and I wasn't sure how to estimate it for a subsidy. They walked me through a reasonable estimate and got me into a plan with my doctor in-network.”
“I just needed dental after leaving my employer plan behind. Coverage started within a few weeks and it was the easiest thing I've bought since starting my business.”
“I'm a contact lens person and was paying full price after my old vision plan ended. The new plan paid for itself in one visit. Wish I'd set it up sooner.”
A few quick questions. A licensed Launch Coverage advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
Honest answers. No jargon. No upsell.
You generally have two paths: COBRA, which lets you keep your old employer plan if you pay the full premium plus an admin fee, or a marketplace individual plan priced against your new self-employed income. Leaving a job that provided coverage is a qualifying life event, so you have a 60-day Special Enrollment Period to choose either option without waiting for Open Enrollment.
It depends on your income and health needs. COBRA has no subsidy and often runs $500-$700+ a month. A marketplace plan is priced against your new self-employed income and often qualifies for real subsidies, which can make it noticeably cheaper. We'll run both numbers side by side so you can decide with real figures.
Often, yes. ACA premium tax credits are based on your projected self-employed income for the year, not your prior W-2 salary. Because income can be harder to predict in year one, we'll walk you through a reasonable estimate so your subsidy lines up with what you actually expect to earn.
Start with your expected net income after business expenses, not your gross revenue. If you're not sure yet, a conservative estimate based on your first few months or a comparable prior year is a reasonable starting point. Your agent can help you sanity-check the number and adjust it later if your income changes.
Start with your ZIP code and a rough income estimate. We'll pull every ACA plan available to you, calculate your likely subsidy, and walk you through your top options in plain English - no jargon, no pressure.
Health plans are state-based, so a move usually means switching plans - but the move itself triggers a Special Enrollment Period. Tell your agent your timing and new ZIP and we'll line up coverage that starts the day you arrive.
Honest answer: vision pays for itself the first time you replace glasses or contacts (so yes, if you wear them). Dental is worth it if you're due for cleanings or expect any work - one procedure without insurance can cost more than a year of premiums. Both are optional add-ons; we'll show you the math.
About 2 minutes to fill out our form, one short call (or text thread) with a licensed agent, and you're usually enrolled within 24-48 hours. Coverage typically starts the 1st of the following month.
Yes - completely. We're paid by the insurance carriers when you enroll, at the same rate no matter which plan you pick. You pay exactly the same as if you bought direct from the carrier, but you get a human agent for life.
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